Privacy for Consumers at Banamex USA

Our goal is to maintain your trust and confidence when handling personal information about you.

YOU HAVE CHOICES
As a Banamex USA customer, you have the opportunity to make choices about how personal information about you may be shared. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.

SECURITY OF PERSONAL INFORMATION
The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

Banamex USA Online Privacy Statement

Our Online Privacy Statement describes how we may collect, use and share information you provide when you visit this website, receive our e-mails or interact with advertisements we have on third party websites.

Our Online Privacy Statement does not cover information you provide to the websites we advertise on and may link to. We encourage you to read the privacy policies on these sites.

Glossary

Cookies
A cookie is a piece of information which a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.

Pixel tags
A pixel tag is a transparent graphic image, sometimes called a web beacon or tracking beacon, placed on a web page or in an e-mail, which indicates that a page or e-mail has been viewed. In addition, a pixel tag may tell your browser to get content from another server.

The pixel tags on Banamex USA site are set only by companies we work with and supervise. In order to ensure the safekeeping of your information, network advertising companies and publishers are not permitted to directly collect information on our site.

IP Address
An IP (Internet Protocol) address is a unique number, assigned to a computer or device that connects to the Internet, that identifies the computer or device.

Companies We Work With
These companies are any third party agents that conduct business on behalf of Banamex USA. The services they provide include, but are not limited to, communications (e.g., email), marketing, data processing, customer acquisition and servicing and advertisement management.
When we use other companies to provide services for us, we require them to protect the confidentiality of information they receive.

Marketing Segments
These are groups of unique individuals or users categorized using information such as behaviors, demographics, attitudes and/or geographic differences.
Companies can create marketing segments by using technologies like IP addresses to compile, over time, aggregated, non-personal information about how consumers are using the Internet. They consider where users saw and/or clicked on content and advertisements, and use this information to make inferences and predictions about the users' characteristics, interests and preferences. This information does not identify you personally nor does it report on particular online activities or behaviors.

Do Not Track
We do not track user behavior on this website for the purposes of providing targeted advertising from third parties. We do not currently use technology on this website that recognizes "do not track" requests that users may set in their internet browser. Accordingly, to the extent provided in this notice, users of this website will have their actions tracked, logged and/or recorded as indicated herein even if "do not track" requests are included in your internet browser configuration.

What Are Third Party Websites?
Sites that are not operated by Banamex USA and are not subject to our Online Privacy Statement. We encourage you to read the privacy policies on these sites.

We collect two types of online information: non-personal and personal.

Non-Personal Information
When you visit our site, we collect the IP address of the device you use to connect to the Internet. In addition, we gather information such as what browser and which version of it you're using, the type of operating system you have, and which site you came from. This information helps us provide an online experience that matches your device.

When you browse our site or receive one of our e-mails, Banamex USA and companies we work with, use cookies and/or pixel tags to collect information and store your online preferences. Cookies are widely used and most browsers are set up to accept them automatically. If you would prefer, you can choose to not accept cookies.

It's important to note that cookies and pixel tags do not capture any information that can personally identify you. The information they gather helps us improve your online experience and may include:

Your response to one of our e-mails
Time and duration of your visit to our site
Pages you viewed while on our site

We may also supplement the information we collect with information we receive from other companies. For example, we may use marketing segments developed by us or other companies to customize certain services to your local area and provide relevant Banamex USA offers tailored to you.

Personal Information

In addition to the information described in the previous section, we may also gather personal information that you provide to us such as your name, address, phone number, and e-mail. Collecting this personal information enables us to offer you online experiences that help you with your financial needs. For example, we collect personal information when you are:

Banking online
Applying for a new program or account

If you've enrolled in Banamex USA services, such as online bill payment, we collect personal information about your transactions, and how you interact with third parties such as those you pay like a utility company or phone company. Collecting this information enables us to provide you these services. You can refer to the terms and conditions for your account or service to learn how your information is collected and used.

If we have personal information from you, or information that's publicly available from other sources, we may use it in combination with the information that Banamex USA has collected online. We can use this information to better tailor and personalize our service and marketing communications with you, both online and offline.

The personal information you provide online is held by Banamex USA. You can access and/or request to change information in connection with your account or application by logging on to your account online or telephoning customer service.

Please see our Privacy Statement, which we provide to all our customers, for a comprehensive explanation of how we collect, use and share personal information and what you can do to limit the use and sharing of your information.

Banamex USA uses the information we collect about and from you to manage our business and to offer an enhanced, personalized online experience on our site and third party websites.

The information we collect allows us to:

Recognize you when you return to our site so we can personalize your experience
Process applications and transactions
Respond to your requests
Provide you relevant product and service offers on our site and in other advertising

3. How Do We Use Information from Our Advertisements on Other Websites?

Like most advertisers, we place advertisements where we think they will be most relevant to customers. We place advertisements by developing and using our own marketing segments that may combine online and offline information about our current and prospective customers. In addition, we may use marketing segments provided by online publishers and network advertising companies.

Network advertising companies that provide these services have their own privacy policies and are not subject to our Online Privacy Statement. Many of these companies provide ways to avoid targeted advertising provided by, or through, them.

4. Can You Control Your Information That's Collected and Used Online?

It's important to note that the information we use about you helps us provide you with products, services and experiences that benefit you. You have the ability to control how your non-personal information is collected and used online.

How We Use Cookies
We use cookies for a number of purposes - for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a username or encrypted customer identification number so that you do not have to provide this information every time you return to our site.

Our cookies will track only your activity relating to our online promotions, which may be located at our web site or the web sites of others, and your online activity on our web site. They will not track your other internet activity. Cookies set by us cannot be read by and are not shared with any non-group web site, although we may share some of the cookie information we gather with other Citigroup companies. Our cookies typically do not gather personally identifiable information.

Cookie Filters
You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain online services or web site features.

Cookies of Other Companies
We occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we will also use another company to operate web servers for our sites. We use the cookie information gathered by these companies in the same manner as stated in the previous section. The companies we use may not use these cookies for their own internal purposes or share the information gathered with anyone other than Banamex USA, in accordance with the terms of the contracts they have signed with us.

General Website Practices
In addition to the information we collect from cookies, we also obtain information that you provide to us online - for example, when you are doing your online banking with us, when you submit an application or otherwise communicate with us. In some cases, we retain both the cookie information and/or the information you provide to us online - for example, to complete a transaction you requested or to keep historical records of your past transactions.

Notice of Changes
From time to time, we may change this Online Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.

Effective Date
This policy was last modified June 30, 2014.

BanamexUSA.com is managed by Banamex USA. The web site enables online access to account information and transaction services for clients of Banamex USA. This disclosure does not address how information is handled by or the policy of any other affiliate or third party site that may be linked to Banamex USA.com.